What is home emergency insurance

It goes without saying that having a good home insurance policy in place is key when it comes to owning a property. In addition, a lot of landlords or homeowners may also have additional measures in place such as security systems and fire alarms to reduce the risk of theft or fire, but what about those unexpected events that you can’t really prevent?

Many of us will have fallen victim to a burst pipe or a boiler breaking down, but a select few of us will have also been hit with the hefty costs that come with them too. While we may not be able to prevent these pesky situations from occurring, we can take measures to ensure that we’re not hit with a huge bill at the end of it. That’s where home emergency insurance comes in.

Read on to find out how you and your home could benefit from home emergency insurance.

Home emergency insurance explained

So what’s the difference between home emergency insurance and standard home insurance? Well, your home insurance is there to cover the cost of damage to your home and belongings in events such as flooding, fire, or theft. Emergency home insurance however, is there to cover you for those unexpected things that need immediate attention, such as your heating breaking down, burst pipes, or electrical failures.

What does home emergency insurance cover?

There are a number of scenarios that home emergency insurance gives you cover against, and most policies will cover you for the following:

• Boiler breakdown and repairs
• Central heating faults and failures
• Loss of hot water
• Plumbing issues
• Blocked drains and waste pipes
• Electrical faults and failures

How much is protected with home emergency insurance?

So what specific problems will home emergency insurance protect you against? This often will be different depending on the policy you take out and the provider it’s with. However, in the case of our Home Care Package, this includes:

• Boiler – Home emergency insurance will generally cover you for any repairs to your boiler, flue, and controls. We also throw in an annual service too, plus a discount on a new boiler if we’re unable to repair it.
• Heating – Should your central heating break down, you’ll be covered for repairs, including water tanks, radiators, pipes and cylinders.
• Plumbing – Repairs to water supply pipes and issues with your property’s plumbing system.
• Drains & Waste Pipes – A rather unpleasant task to deal with, but with home emergency insurance, unblocking and repairs to your drains and waste pipes are covered.
• Electrical – This covers you for any issues with your mains electrical wiring system, such as repairs to circuits, fuse boxes, sockets, and light fittings.

Unlike standard contents insurance, with home emergency insurance there is often no excess or up to £100 to pay and you’re covered for all costs of the repair, including parts and labour. There is usually no limit for the amount of call outs you have either, as long as the claim fits the criteria for an emergency.

Important Information

Some providers offer insured plans to look after your Boiler and Heating and other home services like plumbing, drains and electrics, whereas other providers offer non-insured plans. An insured plan will be underwritten by an insurer and also regulated by the [Financial Conduct Authority (FCA)](https://www.fca.org.uk/). Non-insured plans are not backed by an insurer and are not regulated by the FCA. Often non-insured or maintenance plans include an annual service of the equipment covered, whereas these may or may not be included in insured plans.